Residential Finance Corp

We stumbled across Residential Finance through Lending Tree when we decided to refinance last month. We could not have asked for a better experience. Our loan officer was Susan Harvey. She did an amazing job keeping us abreast of everything, answering/returning our calls and emails, explaining all the details (and sometimes multiple times) and getting everything in order/submitted in a timely manner. We're in CA and Susan is in FL so everything had to be done via computer/phone. Susan had someone come to our home in order to help with the closing (notary). I wish our initial loan and first refinance experiences were half as good as dealing with Susan was. For once, it felt like someone was looking out for our best interest instead of just their own. Residential Finance definitely offers exceptional customer service.

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My family used Residential Finance for the first time in April of 2013 and we can not say enough about the great job that Brian Kubicki has done for us out of the Columbus, Ohio Office. He was able to refinance our home which greatly lowered our monthly payments and yet he was also able to put some much needed money back in our pockets when most Finance Companies told us they could not help us. The customer service that we received during our application process is hard to find this day in age. Brian was able to do everything that he said he would do and he made the whole process fast and easy for us. We will recommend Brian to all our friends and family, he will come highly recommended.

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This was our first experience with Residential Funding and I can??t say enough what excellent service we received. We had attempted several times to refinance with other companies but nothing every came to fruition. We had several anomalies that made our refinance unique and from what I was beginning to think impossible. That was until I spoke with Alex Perry. He went over every option that was available to us and was superb at communicating every detail to us. Our family has faced many challenges over the past several years, like many other families in this economy right now and Residential Funding gave us hope. There aren??t enough nice things I can say about the experience & care from everyone we dealt with. The process was easy and extremely detail oriented.
I will forever refer anyone that needs and hope everyone does the same. This company will received my families blessing for what they??ve done for us

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Roy Montero from the RFC Honolulu office was great! He was able to explain the refinance procedure to us, and give us different options for how we wanted to plan out our mortgate rate. He is excellent to work with, and very easy to get in touch with. If I had to leave a message on his phone, he didn't take more than an hour to call us back. He was able to walk me through a problem I had with the paperwork, and everything turned out the way it was supposed to. We were able to refinance our mortgage within one month, and it was a quick and easy process. If we have to refinance our mortgage we will definitely choose to work with Roy again. We have already referred him to some of our friends, and have his business card posted on our office bulletin board! Thanks Roy and RFC for helping us!

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We are currently working with Charles Valentin with Residential Finance Corp. and he has been wonderful. He goes over and beyond trying to get our loan processed! Very polite and diligent individual to work with!

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It's funny nowadays people need to read about other peoples' experiences before they ever buy anything. Well I am going to try and help some of you out there that are thinking about using Residential Finance Corporation (RFC) by telling my story that began in 2008.
My grandmother had just passed away, and I had her home in South Carolina for sale. I was looking to buy a rental home where I live in Virginia when I got this card in the mail telling me about RFC and how they can get the best loans available. I called the number, and a man named Rick Coil answered the phone. I explained my circumstances to him and asked him all the questions I had about going down this road of buying my first investment property. Rick was able to answer my questions, and, most importantly, he gave me a feeling that he would never let me make a mistake, even if it meant losing the loan. So I started the process of buying this home, and Rick was at the helm doing everything that needed to be done a week ahead of time. At the same time I found a buyer for my grandmother's home in S.C. three weeks before I was to close on the rental. Now this is where RFC and Rick Coil became legendary to me and my family. We were now a week away from the closing on my grandmother's home when the buyer's bank said he was not approved for the loan! I know what you're thinking: "What about the bank's letter of approval that you get before anything gets started?" Let's just say that letter is not worth as much as some would think. Anyway, I told Rick about this and he told me to give him the buyer's phone number and he will see what he can do. In one week he had the buyer approved for the loan, and we closed only three days late.
Rick and I have gone from that experience to having done over ten loans together. I have come to trust his advice and have enjoyed his friendship. I hope my experience has helped someone else make a very important decision and realize that Residential Finance Corporation is their best choice.
P.S. If you ever speak to Rick he's now a Branch Manager, make sure you call him Ricky. LOL

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We recently had the pleasure of working with Alex Perry, Senior Loan Officer with Residential Finance Corp. in Tampa, Fl. We had been searching for our new home for over two long years. We called on Alex so many times to give us figures on several homes during that time. it did not matter if it was on the weekends, in the evenings, or during regular business hours. Alex went out of his way to always answer every question we had. We closed on our new house just over a week ago now. We had a very pleasurable experience with RFC. I would recommend anyone looking to buy a home to use RFC for your mortgage needs. We were treated very well. Very satisfied with our experience.

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Recently we had the pleasure of working with Senior loan officer Brian Kubicki. I called him and explained our needs. He took just a short time to research for a great rate. When he called us back he had a better rate then we had anticipated. Thank you Brian. A few times during our process I had a few questions. He promptly returned all of our calls. He also explained everything so that we could easily understand. He helped us in all matters that made the process go smoothly.
In summary we are grateful to Brian and RFC as our mortgage company. So a big thanks to Brian Kubicki and everyone else that helped in our loan process.
Sincerely,
Pamela and Ed Mullen

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Brian Kubicki and RFC are amazing. Brian not only helped us understand the procedure but became a friend in the process. Brian was always only a phone call away and if we got his voicemail, he was prompt in returning our call. Never making us feel that we were bothering him. Closing was so easy and made so convienent for us. I will recommend Brian Kubicki to anyone who needs a mortgage broker. He is the best!!!!!!

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??It has been our sincere pleasure to work with Brian Kubicki through the process of refinancing our home. At the outset of the relationship we viewed Brian as just another mortgage banker, but were quickly educated to the fact that not all mortgage brokers are the same. Brian has not only become a trusted financial consultant for our family, but Brian has also endeared himself to us and we are more likely to introduce him as our friend. Brian has an amazing ability to see inside every nuance of a family's financial situation and find even the most minute opportunity to help them save, invest and prepare for the future. We owe our current state of financial security to Brian and are blessed to include him in our short list of highly valuable and trusted advisors. Thank you Brian, for all that you have done in serving our family.?

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Brian Kubicki completed a refinancing of our home's first and second mortgages in less than 30 days! I can not believe how easy it was. Little to no stress-just finding all the necessary documents. The underwriter, the appraiser, and everyone involved were professional and honest. It was a very good experience and it saved us a lot of money. Brian was reassuring and very open during the entire process. I tend to be skeptical when things go so well, but it really was a great experience.

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I just did a refinance with Brian Kubicki of Residential Finance Corp. I had no problem, everything went on time and they did what they said they were going to do. They listen to what I wanted or needed and got the job done. Thank-you for all your help.
Doug

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I am soooo unhappy with this company, that I felt compelled to warn others of their incompetence. If I could give zero stars, I would. I recently refinanced with Residential Finance Corp (Columbus, Ohio). This mortgage broker is completely incompetent with a string of departments/processes that do not communicate with each other and that ALL constantly miss deadlines. Reasons I am unhappy:

1) When I first approached RFC, I was assured we could get through refinancing within 30 days...it ended up taking 2 months.

2) In requesting a title search by email, they mis-spelled my lawyer's email address--they allowed the request for title to go unanswered for 2 WHOLE WEEKS before finally emailing me to say they weren't getting a response from my lawyer. They NEVER even bothered to PICK UP A PHONE. This was the first significant delay that pushed back our settlement date. By the way, during this 2 week delay, I was calling every 3 days to try and find out what was going on because I thought it was weird I wasn't hearing anything in regard to actually scheduling settlement...RFC would just never respond to my inquiries or follow up.

3) The loan application gets reviewed by Underwriting on at least 3 different parts of the process. Though Robert Huether told us each of those reviews should take 24 hours, they took 3-5 days each. This led to another significant delay in our closing.
4) We had to schedule settlement twice because of delays on RFC's end. The first day we were scheduled to settle at 4pm on a Friday. I was assured at several points earlier in the week we would be all set to move forward. Though me and my laywer were promised paperwork by Friday morning, we heard absolutely nothing and could not get anyone on the phone after noon that day. Only at 6pm--remember, we were scheduled to close at 4pm--did we receive an email from Robert saying we were through approval. Of course this meant a significant delay in our settlement and additional expenses incurred by us.

5) After our appraisal came in, we agreed on a final loan amount for the refinance that would leave us with 80%LTV. I received several emails from both the loan officer Victoria Palella and the processor Robert Huether confirming the amount our loan was to be for. Only a day prior to the final settlement did I come to find out that apparently they should have had us resign our disclosure documents confirming the final loan amount (instead of the estimated loan amount we started off the process with because we weren't sure where our house would appraise). This resulted in us having to bring more than twice the money to settlement that we were expecting to bring. In all fairness, they did offer to have us resign the doc at the time we discovered the error?but then we would have had to delay settlement yet another 4 days (and this was after we already had to delay 1 week past our first scheduled date, which was already delayed 2 weeks past what it should have been).

5) They almost did not release funds after settlement because they were ignorant of the laws in my state that allow lawyers to act as notaries.

6) They almost did not release funds after settlement because some other department disagreed with one of their other departments about a $37 charge on the HUD.

7) When they finally did wire the funds, they only wired 99.5% of the money. We had to wait another day for the remaining .5%

8) All the additional work my lawyer had to do to deal with their competence through this whole process = 4K worth of services!!!!

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We resistantly refinance our mortgage on our home. Brian was very helpful, perfessional, and always returned or answered all of my phone calls when we had any questions! He got our refinancing done quickly!! Would recommend to anyone!!

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I recently met Brian Kubicki from Residential Finance Corp, and we conducted a successful business transaction. I had read some not so good reviews about RFC, but did not experience any deception or misleading information. I received services and costs exactly what was discussed prior to signing any contracts. What I liked about working with Brian was his timeliness, professionalism and his dedication to get the job done to my complete satisfaction. Not only were his responses and follow-ups almost immediate, but they were accurate and delivered as promised. Brian also reviewed my homeowners and auto insurance and connected me with a company that saved me several hundred dollars for annual policies. Of course, the real proof will be when or if I need to use these services, but to date, I've been treated very well and with punctuality and professionalism. I would highly recommend Brian as a person of integrity and someone who will extend himself to meet your needs.

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My husband and I found Brian Kubicki of Residential Finance Corporation (RFC) by accident or by an act of GOD. Brian came into our lives at a desperate hour and gave us a renewed sense of hope.
Brian treads where others are too scared to go. Red tape is no match for this man. He bears with him a GIANT pair of scissors to cut through any red tape that dare try to stand in his way. He doesn??t give up on the tough cases. Instead he trudges on harder and with even more determination.
This is EXACTLY what we needed. He was on our side through thick and thin. Brian swiftly delivered us from point A to point B to closing.
We will forever be grateful to Brian for both his professional services and his positive productive attitude. Brian and RFC have changed our lives.
I would highly recommend Brian Kubicki of Residential Finance Corporation (RFC) to anyone who may be looking to refinance or purchase a home. He??ll get the job done.
Thank you Brian!

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We are refinancing for a second time with Residential Finance, specifically with Shelly Davis. Shelly is very knowledgeable and professional, but she is also pleasant and easy to deal with. Talking with Shelly on the telephone is like chatting with a friend, and we look forward to working with her again.

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Charles from RFC was very helpful and courteous with the pre-qualification process. I would highly recommend

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Opinions due matter! Alex Perry was true to his word & extremely professional. Need Mortgage options? We highly recommend you contact him.
Residential Finance Corp NMLS # 177874
4010 W Boy Scout Boulevard Suite 600 Tampa, FL 33607
(813) 316-2358 x1346 Alex.Perry@myrfc.com

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Thank you, Shelly Davis, for being so helpful with the re-financing of our home. It has been a real pleasure to work with you and Residential Finance. We will definitely recommend you to any of our friends who are looking to purchase or refinance. Thanks again.

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Thank you Charles for your assistance with prequalifications, short sales, foreclosures. Very much appreciated!

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Hat's off to Charles Valentine Great job

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Its definitely World Class service with Charles Valentin and Redsidential Finance Corp. I could not ask for a better experience with this loan. Charles has been very professional, helpful, and curtious in meeting my needs to close. I highly recommend Charles Valentin and RFC for any new home purchase or refinance! thanks again Charles! Very satisfied.

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we had a wonderful experience with residential finanical , our loan
officer Thomas Rocha, was great he and his team took a very stressful process and it easy . thank you

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On December 21, 2011, we closed on the loan on our home, all this was because of a very great person name Sammy Takieddine, Sammy was one of the best person that I ever worked with in getting a loan. One of the most important thing in business is the right person, not just a person but a people person. Residential Financial Corporation and Sammy Takieddine you both will be my friends for life and also anyone that I know seeking a loan I will always recommend them to RFC. Thanks for a wonderful job well done.

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WHAT A GREAT EXPERIENCE! We couldnt be happier with the services Residential Finance Corp provided for us! We would especially like to "THANK" Shelly Davis from RFC for providing HANDS DOWN the BEST customer service we've ever received! THANK YOU SO MUCH! We highly recommend Residential Finance Corp to everyone.....be sure to ask for Shelly Davis!

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We recently completed a home refinance with Thomas Jimenez as our LO. Thomas was very knowledgeable, courteous and helpful every step of the way! He enabled a typically painful and drawn-out process to be as smooth and seamless as possible. It was refreshing to work with a true professional, and a nice guy to boot :-) !

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On October 6th our offer on our new home was accepted. On Monday November 7th we closed on our home. Shelly Davis was the reason that we were able to turn this around so quickly. Shelly was wonderful to work with. She listed out exactly what information we needed to send in and asked concise follow up questions. We closed quickly due to her ability to obtain the necessary information from us up front. She was quick to answer our questions and friendly through out the process. I am recommending her and Residential Finance Corporation to all of my friends and family!!! Shelly did such a great job that at closing the title company representative made a remark about her wonderful experience with Shelly as well. THANKS SO MUCH!!!

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I would like to give a 5 Star Review to Charles Valentin -
(Senior Mortgage Banker at Residential Finance Corporation)
His Extraordinary Service provided AWESOME Loan Experience.
Very Helpful, Patient, & Informative.

***** Charles Valentin, is Truly World Class *****

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I am writing this because this is my biggest life changing event and it went perfectly. I recently closed on mine and my wife's DREAM house with Shelly Davis! I was very nervous and Shelly was professional, helpful and very calming. I spoke to her on several occasions at all times of the day and night and she always answered my call and made me feel good. She handled everything and I felt like I had to do nothing with the closing process and we even closed almost 2 weeks earlier than our closing contract date. The realtor and title company also raved about working with Shelly and Residential Finance Corporation and would like to do more loans with them moving forward as well.

THANK YOU SHELLY DAVIS & RESIDENTIAL FINANCE CORPORATION!!!!!

Rick Prater

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1 out of 1 people found this review helpful.

I Recently closed my Mortgage refinance with Shelly Davis! From the Moment we spoke over the Phone all the way through after closing ,I could have not asked for a Better,and more Profesional,or more Helpful Broker like SHELLY DAVIS.No matter what challenges I faced Shelly always found a way thrue, I have been truly Blessed to have the opportunity to Work with Shelly Davis,could not ask for more.I was able to successfully Refinance my home.I have been Spoiled by the Level of Customer service Shelly Davis provided me.I would recommend ,and have Shelly Davis and Residential Finance Corporation for a Refinance or new Home Loan or any other Loans that they currently handle.
I want to SAY THANK YOU AGAIN to SHELLY DAVIS for the Service you Provided me, helping me get into a Better Financial Position, and for Literally Changing My Live in a great way..

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1 out of 1 people found this review helpful.

We very hesitantly called this company, not ever hearing of them before, but I would now recommend them to anyone. Jim Long was more than helpful, which made the process quick and easy. Jim was always available, answered all of our questions and the closing was actually quicker than we expected. We are now using this company once again, to purchase another house in Florida!

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Tim Smith was very helpful & knowledgeable. He was great to work with & very considerate of my time. No matter what challenge we faced, he always found a way to work thru it. I would recommend this company & loan officer to anyone!

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Johnnjalyn Manning was an absolute GODSEND!!! From the moment we spoke over the phone, all the way through our celebratory lunch after closing, we couldn't have asked for a better, more professional, or more helpful broker. When I went gung-ho over a house that needed us to sign within 24 hours and change our loan conditions at the last minute, Johnnjalyn was on it within minutes. When it fell through, she talked me down from the sobbing hysteria that had taken over (those of you in the house buying process will be familiar with this scenario) and called to make sure I was ok later that day. She also came to our closing to make sure everything went through as planned and to be there for any problems that might arise. Her service, was prompt, friendly, and efficient, and her knowledge of the market and upcoming market conditions/changes was invaluable. She gently, but clearly outlined what we could and could not afford, which options would be better for us and why and so on. I honestly could not have asked for a better experience and can't wait to see her again at our housewarming party!

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Residential Finance Corp made refinancing my home, easy, quick and pleasurable. My contact, Cari M. is knowledgeable, responsive and efficient.

RFC's assessment of my personal situation was accurate and they gave guidance that maximized my out come.

As a consumer, I suggest you talk with RFC before choosing a lender. I am satisfied with their service and think you will be, too.

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I recently closed my mortgage refinance with Damon Pinion and could not have felt more supported through the process. Our loan was one that Residential Finance agreed to support as another company went out of business. From the moment I met Mr. Pinion I felt comfortable and confident in the process of refinancing with your company. Mr. Pinion went out of his way to make sure that all my questions were answered. He encouraged me to contact him (even while on his vacation) if I had additional questions or concerns. My loan process hit snags ?? they all do, and Damon was there to walk me through each one. He knows this business and he is genuinely interested in his clients. The company profile is solid enough to gain peoples interest but loan officers like Damon and the outstanding level of customer service they provide are what will keep us all coming back.

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I wanted to take this opportunity to inform your company of the experience I had with one of your Senior Loan Officers, Lee A. Pearson. I contacted your company regarding a refinance in January 2011. When I received a call back from Lee A. Pearson, I was pleasantly surprised at his professional, yet compassionate demeanor. This was something that I had not experienced from any other lender at other mortgage companies.

From the very moment we spoke on the phone, Lee made me very comfortable with the loan process. Lee is extremely knowledgeable about the mortgage industry. He would constantly amaze me how he knew what questions I was going to ask, before I did. Always explaining every little detail, before I had any doubts. He worked non-stop completing research on comparable houses before we both felt comfortable that the refinance was going to be successful for us. Lee??s attention to detail, commitment to finding the best loan program, and communication was above any service I have ever experienced. I have never seen better work ethics before in my life!

To both Lee and my surprise, our loan did hit a snag. For some reason, our appraisal tanked. We both have our suspicions as to why the appraisal did not go well, and I will say it was no fault of ours and I will leave that alone. Anyway, even though RFC could not help me at this point, Lee was still there for me. He was dedicated to my needs, even after he could not close a loan for us. Daily, Lee would shoot me an email checking on us, and sending info about other companies that could help us out. If there were no emails, I was sure to get a call from him when he left work.

I recently decided to go with my current lender to complete the refinance. I have got to say, the level of service does not compare to RFC and Lee. I have been spoiled by the level of customer service Lee provides.

I have been truly blessed to have the opportunity to work with Lee. I will gladly recommend Mr. Lee Pearson to anyone! He is an outstanding in his position as a Loan Officer. I look forward to my next home purchase with Lee as my guide.

Deanna

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hes is AWESOME... Charles Valantin.....is AWESOME... seriously, i have a head injuy ..i don't understand to much.. but charles took the time out of his busy schedule to make sure i understand everything going on . with my mortgage, i went to many mortgage companys. and NO ONE did a better job then charles... GREAT job charles... keep up the good work... and i think you deserve a pay raise.. you cant find alot of people like charles in the work field... i can call him anytime , and even if he is busy, he calls me right back... cheers to you charles... no people i do not know him personally, he impressed me with his way of handling my siuations.. and handling my personal financies... thanks charles hope you can help me in the future... if not thats ok... i will still recomend you..thanks renee defrank

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